Not everyone passes through these stages smoothly. Situations such as severe illness, financial problems, or the death of a loved one can have an effect on how well you pass through the stages. Fortunately, if you miss skills in one stage, you can learn them in later stages. The stages of the family life cycle are:
Health insurance companies typically require that a newborn be added to a policy within 30 days of birth. The U.S. Department of Labor says enrolling the child within that time frame should provide coverage retroactive to the date of birth.
As long as you enroll your newborn within 30 days of birth, coverage should be effective as of your babyâs birth date, and your baby cannot be subject to a preexisting condition exclusion. Remember, you should enroll your baby within 30 days of the date of birth.nder HIPAA, as long as you enroll your newborn child, adopted child, or child placed for adoption within 30 days of the birth, adoption, or placement for adoption, your plan or insurance coverage may not impose preexisting condition exclusions on the child.